Go to the city hall of your city and several other surrounding cities to find out about home buying incentives. Some cities offer no down payment if you qualify and many have different first time buyer plans.

Most of these programs are funded early in the year and once they've been depleted, there may be a waiting list or they'll stop accepting applications.

32, $300,000 for a 1900 sq ft 3 bedroom with a 2-car garage and fenced yard. It is my DREAM house. We waited until the rates dropped. Hubby is a veteran so no down payment. I can't get over this place. It's not huge (we have 3 kids) but it's so right for us. By a lake and lots of trails, good schools. Not nearly the biggest or smallest house in the neighborhood (good resale value).

We had a ton of pressure. We looked for TWO YEARS!! Between not finding what we loved and not having our finances truly on point, we stopped looking a couple times in the past but they say the third time is a charm. If buying a home isn't right for YOU, don't do it. It's financial fitness, it's timing, it's location, resale, work proximity, finding a community you really want to be a part of.....it's so many things. I couldn't be happier but we waited until it was right for us. Now many of the same people who were urging us to buy during the bubble have been foreclosed. Now is a great time if you can, but housepoor is not an investment in my opinion. I'd personally rather rent and have lots of positive cash flow than buy and have nothing but a house. Even if you don't buy now, you can start getting in position to buy. I raised my credit score 88 pts in 7 months and that made a huge difference in the rate we ended up with. In the words of my daddy, "Y'all stole this house!" Being a homeowner feels good but getting a great deal feels even better.

My mom cussed me out for buying a car before a home...it's well worth it. Depending on where you live, they may have First Time Homebuyer Assistance as well. This could just be your 'starter' home, not necessarily the home you'll have when you're married and have children.

$140k in a better than average, not amazing, middle class neighborhood. My neighbors are teachers, nurses, retired military,respitory therapists, regular folks, lol. (for ME, it was all about the quality of the school district because I had kids in school)

I put about $6 down, the original owners paid the closing costs and bought my home warranty for the 1st year (covers major appliances, the heating and cooling unit, and saved me THOUSANDS).

It's not as easy as I thought it would be. I figured since I had no issues paying $850 a month for a small two bedroom apt, paying a few hundred dollars more a month to buy would be easy.

I was not prepared for the cost of ownership.. the maintenance aspect..Good Lord!..(And unexpected things like losing my job, without warning, less than a year later.)

Even though I was approved for $160k, I only used $140k and in hindsight, I have waaaay too much house. (I live in Texas, so you get A LOT of house for your money. $140k in other cities is a run down shack, but not in San Antonio, lol)

Both of my kids will be gone in less than a year, wtf do I need alladis house for? I plan to sell in a few years and get a condo.

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